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MRA Recruiting Services · 1 week ago

Credit Analyst

Mendota Heights, MN

Full-time

Onsite

Entry, Mid Level

Christian Investors Financial is a nonprofit organization that provides faith-based financial solutions aimed at advancing God's Kingdom. The Credit Analyst will conduct comprehensive credit analysis and underwriting, assess the creditworthiness of borrowers, and present recommendations to the Loan Committee.

Human Resources

Responsibilities

Perform credit analysis, risk, underwriting, and overall assessment reviews as assigned and in collaboration with internal team members in support of CIF’s Organizational Vision and Values. Including:

Analyzes and evaluates the financial condition of both potential and current borrowers; reviewing completed loan applications and supporting required documentation to develop an initial assessment of credit worthiness, including both strengths and weaknesses pertaining to a borrower’s current and historical financial condition

Interacts and communicates with both potential and current borrowers as appropriate to obtain answers to additional questions/clarifications, and also supplementary information required to complete the assessment

Prepares and presents overall credit assessments and recommendations, which include detailed financial statement analysis, giving and attendance trends, various organization/economic/market factors, project information if a construction credit, and in-depth analysis of the secondary sources of repayment such as collateral

Interacts and collaborates with Business Development and Loan Committee members; communicates, presents and answers questions regarding prior approved credits and those outstanding and in need of approval

Drafts and processes approved a preliminary and formal commitment to lend agreements, as well as preparation and processing of various related loan agreements, amendments, modifications, and other changes to original terms

Monitors and reviews certain identified and prioritized post-closing existing credits within the loan portfolio as needed; including monitoring of property insurance and collateral and the review and credit risk analysis of reported/discovered changes in borrower circumstances and their potential impact on prior credit assessments

Perform other duties as needs arise, including support and contributions towards CIF strategic initiatives to enhance operational effectiveness and customer experience

Qualification

Credit analysisFinancial statement analysisAnalytical skillsBanking experienceCustomer service experienceOrganizational skillsTime managementInterpersonal communicationAttention to detail

Required

Committed, personal relationship with Jesus Christ

Sufficient analytical (both quantitative and qualitative) and financial/accounting/math knowledge and skills to perform duties, and to complete and provide evaluations and recommendations

Strong organizational, time management, interpersonal communication (both written and verbal), and attention to detail skills to perform duties and complete work with the necessary completeness, accuracy, and efficiency